226 E Pearl St, Coldwater, MI 49036 Property Records

Branch County property record for 226 E Pearl St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,252 sqft · built 1900
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (Sep 2019)
Tax Bill	$2,876 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-186-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-186-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,252 sqft Building Perimeter
1st Floor Area	1,328 sqft
Basement Area	132 sqft
Unfinished Basement	132 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	19,166 sqft (0.44 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 E PEARL ST
City	COLDWATER
State	MI
Zip	49036-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT PT ON S SI PEARL ST 20 RDS WLY FR WH S LI SD ST INT W LI SPRAGUE ST TH S PAR WI SPRAGUE ST 14 RDS TH WLY PAR WI PEARL
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2017
Census Tract	951400

Owner

Source: Branch County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	226 E PEARL ST, COLDWATER, MI 49036-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage UIF CORPORATION
Sep 16, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2019 · Amount on Record
Deed Sale	Sep 16, 2019 · Amount on Record
Prior Sale	Jun 27, 2002 · Amount on Record
Deed Document Number	20195865
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	226 E PEARL ST, COLDWATER, MI 49036-2011
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226E PEARL ST, COLDWATER, MI 49036-2011

Mortgage

Document Number	0202206388
Date	Sep 26, 2022
Instrument	2022-06388

Lender

Name	UIF CORPORATION
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48034

Agreement

Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Sep 16, 2019
Property Address	226 E PEARL ST, COLDWATER, MI 49036-2011
Document Number	201905865
Instrument Date	Sep 5, 2019
Instrument	2019-05865
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 E PEARL ST, 226, COLDWATER, MI 49036-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 WHISPERING PNES APT J, J, COLDWATER, MI 49036-1995

Mortgage

Document Number	201905866
Date	Sep 16, 2019
Instrument	2019-05866

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
Municipality	Coldwater City
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,350 (+10.12%)	$206,700 (+10.12%)
2025	$2,876.00 (+3.68%)	$93,850	$187,700
2024	$2,774.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLDWATER serves 13,822 people · EPA ID MI0001500
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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